The decline in family stability has reduced the access to credit from relatives during bad times. Commercial credit has substituted for the familycredit that was formerly available.
家庭稳定性的下降使在困难时期向亲戚借款的行为减少，商业信贷取代了家庭信用。
2
The family was forced to live on credit from local merchants.
这家人不得不靠向当地的商家赊账过活。
《柯林斯英汉双解大词典》
3
It is the need to buy many overpriced gifts for your family, normally on a credit card.